Pacific National Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Pacific National Bank reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $197.1M in Q3 2026, up 13.4% from $173.8M in Q3 2025. That is 11.5% of its total assets. Across the 12 quarters shown it ranged from $116.5M (Q1 2026) to $197.1M (Q3 2026).
The standout move of Q3 2026 was in Brokered deposits to total deposits: 2.40 percentage points higher than in Q2 2026, at 6.58%. Pacific National Bank ranks 51st of 81 Florida banks on loan-to-deposit ratio, in the lower half at 73.05% (Q3 2026). The median for banks in the $1B-10B asset tier is 88.13% on loan-to-deposit ratio. Pacific National Bank sits 15.09 points lower, at 73.05% (Q3 2026).
Liquid assets
Cash and balances due from depository institutions changed the most here, up 21.1% to $197.1M in Q3 2026 from $162.7M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $197.1M |
| Cash and noninterest-bearing balances to assets | 11.49% |
| Cash and securities | $635.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
Other borrowed money changed the most here, up 20.6% to $117.0M in Q3 2026 from $97.0M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $117.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 6.82% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 73.05% |
| Net loans and leases to deposits | 72.55% |
| Loans and leases to core deposits | 89.56% |
| Core deposits to total deposits | 75.06% |
| Brokered deposits to total deposits | 6.58% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 82.40% | 81.80% | $0 | $85.0M |
| Q1 2024 | 80.48% | 82.03% | $0 | $80.0M |
| Q2 2024 | 85.96% | 82.09% | $0 | $92.0M |
| Q3 2024 | 83.78% | 82.43% | $0 | $90.0M |
| Q4 2024 | 80.26% | 81.51% | $0 | $70.0M |
| Q1 2025 | 80.07% | 80.38% | $0 | $70.0M |
| Q2 2025 | 78.67% | 78.02% | $0 | $90.0M |
| Q3 2025 | 73.97% | 76.71% | $0 | $80.0M |
| Q4 2025 | 76.73% | 75.73% | $0 | $92.0M |
| Q1 2026 | 77.17% | 74.94% | $5.0M | $97.0M |
| Q2 2026 | 73.48% | 76.56% | $0 | $97.0M |
| Q3 2026 | 73.05% | 75.06% | $0 | $117.0M |
Pacific National Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Pacific National Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 26299) · FFIEC NIC profile (RSSD 577137)